R3ference, Inc. builds Agentgates Wallet, a non-custodial payment platform that lets businesses and individuals hold, send, and approve transactions in USDC. Every payment requires biometric confirmation via fingerprint or face scan, while teams and AI agents can operate day-to-day activities within preset limits. The wallet runs on Android now, with Windows in early access and macOS/iOS coming soon.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses and individuals lack a payment solution that combines the speed of digital assets with robust, user-controlled security. Traditional bank transfers are slow and limited by cut-off times, while custodial crypto wallets require trusting a third party with funds—exposing users to freezing, lockouts, or mismanagement. As AI agents increasingly handle transactions, there is no clear way to let automation act while keeping final approval with a human.
Solution
Agentgates Wallet is a non-custodial payment platform that gives users direct ownership of their funds while enabling instant, global settlement in USDC. Every transaction requires biometric approval through fingerprint or face recognition, ensuring nothing moves without explicit human consent. The wallet supports payments, swaps, and yield generation across major networks in seconds without wires or chargebacks. It is designed for teams and AI agents, allowing delegated day-to-day operations while the owner retains final authority over every dollar. Funds remain in the user's control at all times—R3ference cannot access, freeze, or move them under any circumstance.
Target Audience
Primary customers are businesses managing multi-party payment workflows, including brands running agent-based operations through the Agentgates platform, as well as individual crypto users who prioritize self-custody and instant settlement.
Features
- Non-custodial architecture where private keys remain on the user's device, preventing any third-party control or fund seizure
- Biometric transaction confirmation via fingerprint or face recognition completes approvals in under one second
- Instant USDC transfers across major blockchain networks with no cut-off times, wires, or chargeback risk
- Delegated access controls that let human team members and AI agents execute operations within configurable budgets
- Treasury management features enabling users to earn yield on held assets without transferring funds to a custodian
- Multi-platform availability with Android production release, Windows early access, and macOS/iOS versions in development